1. Since the person who borrowed you the money is your friend, write a letter that is not so pressuring. As much as possible, write the letter with a friendly and warm tone.
  2. Explain, with a very friendly tone, that in your opinion, the money your friend borrowed to you is already due.
  3. Tell your friend to either send the money today or to message you to schedule other arrangements.
  4. If possible, provide a payment schedule that will be beneficial to you and your friend


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

When you were having financial trouble a year ago, I loaned you $3,000. I am glad that your finances are now okay. I hope that we can talk about payment arrangements. I would be grateful if you can repay the whole amount. Please call me soon.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -